Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$9,858Not just lender fees.
Before credits & paid funds$9,858The complete starting cash picture.
Estimated remaining funds due at closing
$9,858No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$37,708.38
Your down payment$0.00
Closing costs + prepaids$9,857.96
Total buyer cash needed$9,857.96
Remaining funds due$9,857.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,850.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$128.75
Initial HOA (3 months)$594.00
Prepaid interest, first (1 days)$60.21
Fees + prepaids$9,857.96
Your down payment is the seller’s equity. You take over the $322,708 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $9,857.96 is due at closing. Not a Closing Disclosure.